預算2025 |減稅和商品及服務稅福利可能會刺激消費股的增長：Sandeep Tandon

預算2025 |減稅和商品及服務稅福利可能會刺激消費股的增長：Sandeep Tandon

Punjab National Bank (PNB) is targeting to recover bad loans worth Rs 17,000 crore in the next financial year (FY25), its chief executive officer (CEO) has said. The bank had recovered bad loans to the tune of Rs 12,000 crore in the current financial year till December.

其首席執行官（首席執行官）表示，旁遮普國家銀行（PNB）的目標是在下一個財政年度（第25財年）收回價值17億盧比的不良貸款。該銀行在目前的財政年度一直收回了不良貸款，達到了12億盧比。

"We are targeting to recover bad loans worth Rs 17,000 crore in FY25. We have recovered bad loans of around Rs 12,000 crore in the current financial year till December. We are also expecting slippages of around Rs 10,000 crore in the next financial year," PNB CEO Atul Kumar Goel told PTI in an interview.

“我們的目標是在25財年收回價值170億盧比的不良貸款。在當前的財政年度，我們已經收回了約12億盧比的不良貸款。我們還預計，下一個財政年度，我們也預計會下跌約1000億盧比，” PNB首席執行官Atul Kumar Goel在接受采訪時告訴PTI。

The bank's gross non-performing assets (NPAs) stood at 10.4 percent of the gross advances as of December 2022, down from 13.3 percent a year ago. Net NPAs were at 3.3 percent, compared to 4.8 percent in December 2021.

截至2022年12月，該銀行的總不良資產（NPA）的總進展為10.4％，低於一年前的13.3％。 NPA淨為3.3％，而2021年12月為4.8％。

Goel said the bank is aiming to bring down gross NPAs to single digit by March 2024 and net NPAs to below 2 percent.

Goel表示，該銀行的目標是在2024年3月之前將NPA總數降低到單位數，而NPA淨至2％以下。

"We are targeting to achieve a credit growth of 15-16 percent in the next financial year. We are also expecting a deposit growth of around 12 percent," he added.

他補充說：“我們的目標是在下一個財政年度實現15-16％的信用增長。我們還預計，存款增長約為12％。”

The bank's capital adequacy ratio (CAR) stood at 14.2 percent as of December 2022. Goel said the bank is comfortable with the current level of CAR and does not plan to raise any fresh capital in the next financial year.

截至2022年12月，該銀行的資本充足率（CAR）為14.2％。Goel表示，該銀行對當前的汽車水平感到滿意，並且不打算在下一個財政年度籌集任何新資本。

"We are expecting an improvement in net interest margin (NIM) in the next financial year. We are targeting to achieve a NIM of around 3.25 percent," he added.

他補充說：“我們預計下一個財政年度的淨利息利潤率（NIM）將有所提高。我們的目標是達到約3.25％的NIM。”

The bank's NIM stood at 2.9 percent in the December quarter, up from 2.6 percent a year ago.

該銀行的NIM在12月季度為2.9％，高於一年前的2.6％。

Goel said the bank is focusing on expanding its presence in the retail, MSME and agriculture segments.

戈爾說，該銀行正致力於擴大其在零售，MSME和農業領域的影響力。

"We are also planning to open around 100 new branches in the next financial year," he added.

他補充說：“我們還計劃在下一個財政年度開設大約100個新分支機構。”

The bank had a network of 10,200 branches and 13,300 ATMs across the country as of December 2022.

截至2022年12月，該銀行在全國各地擁有10,200個分支機構和13,300個ATM的網絡。